The best car insurance in Jacksonville, FL

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published October 15, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

The average cost of a full coverage car insurance policy in Jacksonville is $2,832 per year. That’s $82 less than the Florida state average of $2,914. Car insurance rates in Jacksonville are close to the state average, unlike the higher prices in Miami.

Ready to shop car insurance?

Start calculator

If you’re looking to get the lowest possible rate on car insurance, then you should shop around and get quotes from multiple companies. Policygenius can help you figure out which companies have the cheapest rates so you can compare coverage and find the right policy for you.

Key Takeaways

  • GEICO has the lowest average cost for full coverage car insurance in Jacksonville at $1,252 per year

  • MetLife has the highest average cost for full coverage car insurance in Jacksonville at $2,978 per year

  • Florida minimum liability requirements are $10,000 in personal injury protection and $10,000 in property damage liability

Cheapest car insurance companies in Jacksonville, FL

Insurance costs vary based on where you live, your age, your driving history, and the kind of car you drive. Every insurance company has its own formula for setting rates, so you can get very different rates from two companies for the same coverage. Even within the same city, different ZIP codes can result in different rates. The table below shows the five cheapest car insurance companies in Jacksonville and their J.D. Power score.

Company

Average cost

JD Power Rating

GEICO

$1,252

871

State Farm

$1,675

881

Travelers

$2,323

861

Nationwide

$2,349

876

MetLife

$2,978

886

Cheapest car insurance rates by ZIP code in Jacksonville, FL

Exactly where you live in a city can have a big impact on your car insurance rates. Insurance companies look at your ZIP code to assess factors including the availability of secure parking versus street parking, reports of thefts and vandalism, and even the number of accidents and traffic tickets issued. Below are the car insurance rates for ZIP codes in Jacksonville.

ZIP code

Average cost

32099

$2,786

32202

$2,960

32204

$2,966

32205

$2,957

32206

$3,005

32207

$2,922

32208

$2,989

32209

$2,969

Choosing the right car insurance company in Jacksonville, FL

Choosing the right car insurance company may seem like a challenging task, but it’s easier than you might think. Consider the following factors:

  • Cost: To avoid overpaying, get quotes from multiple companies and compare rates.

  • Coverage: Choose a policy with enough coverage to protect you in case of an accident, but don’t purchase more coverage than you need.

  • Customer Service: Read independant reviews to get a sense of customer service ratings, so you know you’ll be supported when you need to file a claim.

Policygenius can help you see how much you’ll pay for various levels of coverage so you can make an informed decision about the amount of coverage you purchase.

Car insurance rates for drivers with driving violations in Jacksonville, FL

Your driving history can have a positive or negative impact on how much you pay for car insurance. Speeding tickets will increase your rates, and accidents will increase them even more, especially if you’re  at-fault. The more violations you have on your driving record, the more you’ll pay for car insurance.

Do your best to keep a clean record and you’ll save on car insurance. The table below shows the average annual car insurance rates in Jacksonville for drivers with a variety of violations.

Violation

GEICO

State Farm

Travelers

Nationwide

MetLife

At-fault Accident

$1,847

$1,965

$3,153

$3,333

$5,111

DUI

$2,386

$1,832

$3,522

$5,037

$5,585

Driving with a suspended license

$1,345

$1,832

$3,522

$5,037

$5,585

Driving with an open container

$1,345

$1,832

$2,987

$5,037

$3,763

Driving with expired registration

$1,345

$1,832

$2,987

$2,755

$3,763

Driving without Lights

$1,345

$1,832

$2,987

$2,362

$3,763

Failure to show documents

$1,345

$1,832

$2,987

$2,755

$3,763

Failure to stop at a red light

$1,345

$1,832

$2,987

$2,755

$3,763

Cheapest car insurance for drivers with bad credit in Jacksonville, FL

Most insurance companies consider your credit score when determining your car insurance rate. The reasoning is that a driver with bad credit is more likely to file a claim because they won’t be able to pay for out-of-pocket for repairs. The following table shows the five cheapest car insurance companies in Jacksonville for drivers with bad credit.

Company

Rates for drivers with bad credit

GEICO

$2,505

State Farm

$3,178

UAIC

$3,538

Direct Auto

$3,575

Nationwide

$3,596

Ready to shop car insurance?

Start calculator

Buying car insurance in Jacksonville, FL

The state of Florida requires drivers to have car insurance to register a vehicle, but it has very low minimums. Every registered vehicle must have:

  • Personal Injury Protection (PIP) $10,000 per accident

  • Property Damage Liability (PDL) $10,000 per accident

Proof of insurance must be provided at the time of registration and coverage must be maintained even if the vehicle is not being driven or is inoperable. Additionally, the policy must be from a carrier licensed in Florida. If you move to Florida from another state, speak with your agent about having that policy transferred.

Driving without the required insurance can result in a suspension of your driving privileges and your license plate for up to three years. It may be reinstated, but it will require the payment of a $500 fee.

Florida is a “no-fault” state. This means that no one driver is named as being at fault for an accident. It also means that you cannot expect their insurance to pay your claim. Every claim you file needs to be filed with your own carrier who will pay you for the claim.

This makes it especially important to have enough coverage in the event of an accident. Make sure you’re comfortable with any deductibles you choose and that the full amount of the coverage you select will cover any necessary repairs or medical bills incurred.

How to get cheap car insurance in Jacksonville, FL

  • Driving record: Avoid accidents and moving violations (including speeding tickets) to keep your rates low.

  • Watch your credit: Good credit will help you get a good car insurance rate while bad credit can raise your rates.

  • Shop around: Compare rates from multiple insurance companies to see which offers the best prices

  • Choose coverage carefully: Look at the coverage options, including deductibles, and choose the best coverage for your needs.

  • Look for discounts: Car insurance companies offer a wide range of discounts including military discounts, low mileage discounts, safe driver discounts, good student discounts, and even professional discounts for groups including firefighters and teachers.

  • Bundle your insurance: Consider getting policies for rental or homeowner’s insurance through the same carrier. This may get you a reduced rate on both policies.

Frequently asked questions

Who has the cheapest car insurance rates in Jacksonville?

According to our data, the cheapest car insurance companies in Jacksonville are GEICO and State Farm. But the cheapest car insurance companies on average aren’t always the cheapest for every driver, so you should still shop around to find the best rates for you.

Is Florida a no-fault state?

Yes, Florida is a no-fault state. This means that no one driver is determined to be at-fault for an accident and that each needs to file claims with their own insurance company. In no-fault states, drivers must have PIP coverage to cover the costs of their injuries after an accident.

Does Florida require car insurance?

Yes, Florida does require car insurance, but in very low amounts. You must have $10,000 each of Personal Injury Protection (PIP) and Property Damage Liability (PDL).

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.